0% is one step. Stop there, and the next round gets harder. We are long-term one-to-one coaching: prepare the profile, clear the twenty lender items, sequence the applications the banks reward, and design the round after the first before the first one closes.
One advisor and a written plan: the profile is prepared, a sequenced 0% round starts the capital, and the next banks are added in order until the business is bankable.
You come in.
One advisor, assigned to your work. Nothing is filed yet.
A soft pull across the funding programs, from business cards and credit lines to equipment, term loans and SBA, together with the lender compliance items. Three workstreams come off it: equipment, working capital, term loans. A read of what those programs would see, not an application. Run only with your OK, and it does not affect your score.
We start at 0% because it is the best capital these programs offer: roughly twelve months of runway at 0% interest, with a minimum payment near 1% of the balance while the intro promo runs. Six issuers, in the order the banks reward, every application live on Zoom with your advisor. 0% is the start, not the identity and not the end.
Preparation for the next 0% round of business credit cards starts immediately after the first. After tier one the round widens to the regional banks: PNC, Truist, KeyBank, Fifth Third, Flagstar and Huntington, on a profile that now has on-time payment history behind it. 0% is the parent of everything below: each institution is added to the 0%, never in place of it.
Revolving capital from a traditional bank, sized against the profile rather than against a card limit. Added to the 0%.
Fixed capital over a set term, on the record the work has built. Approvals and terms are decided by the institution.
The longest money on the profile, and what makes acquisition possible. As the business grows and the payment history builds, the Four Legs go under the work and it becomes bankable. That is what opens all three of these alongside the 0%, which keeps running underneath all of it. Program ceilings belong to the programs, so nothing here is a promised amount, rate or date.
A shop sells one round and gets paid on the back end. No next round designed, no bankable profile, nothing written down. This is long term one to one coaching, and the plan exists before the first application.
Once a business is bankable, SBA can fund the purchase of another cash-flowing company, and that new company can access capital the same way. Seller's discretionary earnings come with the company. Another profile. Another round of capital. It keeps going.
Program ceilings belong to the programs. Never a promised amount, rate, or date.
Most owners get a first 0% round and then get left when the promo ends, with no written plan for the banks that come next.
Two things get sold as capital work. A course, priced like a real engagement, that most owners never finish. Or a stack of applications fired off in a week and called funding.
The second one is the expensive one. Personal credit absorbs the damage. The business ends up further from the funding it was supposed to reach. Banking relationships get spent before they are worth anything, because a rushed introduction is still the introduction. And the round that actually matters, the second one, gets harder.
Then the intro period ends. Without a plan written for that day, it arrives as a surprise.
The same owner and the same banks get a different outcome when applications go out in the order the profile can carry, not all at once.
ChaseAPPROVED ✓
American ExpressAPPROVED ✓
Bank of AmericaIN REVIEW
U.S. BankSEQUENCED NEXTWe sequence real banks in a deliberate order because each one reads a different bureau, tolerates a different number of inquiries, and weighs existing limits differently.
$100M+ in capital accessed for clients. 500+ clients. 6,000+ logged credit pulls. 75+ lenders.
Aggregate figures across Stacking Capital clients. Named results are individual and are not a prediction for any other business. Lenders decide.
Stacking Capital charges a one-time flat fee, disclosed in your client agreement, so a broker-style success fee does not grow with every dollar you borrow. The plan is built for your specific file, you complete every application yourself while your Funding Advisor explains each step, and the fee covers six to twelve months of the program. The more capital we help you access, the cheaper every dollar of it gets. We went the other way on purpose.
A 6-month, one-on-one business credit and bank-readiness coaching program, delivered by Funding Advisors.
You apply. The advisor writes the plan. The lender decides.
apply on your own device and make every final call.
writes the plan with you and explains each step, live on Zoom.
decides approvals, limits, and terms.
Stacking Capital is a business credit and bank-readiness coaching company, not a lender. You apply and make the final calls, and lenders decide.
These are named Stacking Capital clients whose files became bankable, each told as one case rather than as a total.
Andrew was already running an established business in Orlando. Revenue was there, the operation was real, and on paper he looked like someone a bank should want. He had never been through the process of having that file prepared and put in front of anyone in a deliberate order.
That is the whole gap. A file that could support real limits and a file that has been made ready to ask for them are not the same thing, and the difference is not revenue. It is the items an underwriter checks before revenue is ever discussed.
Brandy runs a med spa in Philadelphia. It is a real operation with real revenue, and it is also the kind of business that underwriters have opinions about, which makes the order of applications matter more, not less.
Nine approvals is not nine lucky applications. It is one prepared file put in front of nine desks, each in the order that desk wanted to see it, and none of them submitted on a guess.
Frank is the file that shows the whole arc, because it did not stop when the promotional period did.
The 0% card rounds came first and did what that round is for. Capital in hand, and a business credit profile carrying real reported, on-time activity across multiple institutions.
Clients who went through the program published these reviews on Trustpilot in their own words.
True To Their WordThey did what they said they were going to do, and could’ve gotten me a lot more funding than what I needed! Patrick went above & beyond! He really wants to help you win in life. And Johnny always answered my calls!
Wonderful experienceWonderful experience. I was guided precisely on how to optimize my credit and leverage it to obtain a significant 0% loc and a low interest loan. This a gold mine of knowledge translating into gold. I thought access to VIP treatment by banks due to long relationship showever Stacking Capital give me access to products that my personal bankers were not even aware of.
Stacking Capital has helped reached…Stacking Capital has helped reached 800 credit score for the first time ever. They are really intelligent people who are lookiong out for your best interest. I have always paid my bills on time but the credit agencies use dofferent measurements that i couldn’t penetrate. Stacking Capital knows the credit game, the credit agency game and the bankers knowledge.
Secure Financing? Stacking Capital is the way to go…Starting a new business can be overwhelming, especially when it comes to securing financing. I was searching for a reliable company that could help me navigate this process, and I’m so glad I found Stacking Capital. From the very beginning, their team was professional, transparent, and genuinely supportive. They took the time to understand my business needs, explained all the financing options clearly, and guided me through every step of the process. What impressed me most was their responsiveness and how smoothly everything was handled—there were no surprises, only solutions.
Patrick and Johnny both have been…Patrick and Johnny both have been amazing from day one. It’s hard to navigate the financial hurdles of new companies, but SC has been ace with patience and honesty the whole way.
Reliable and effective serviceStacking Capital is reliable and got me funding quickly. It was exactly what I needed to scale. Thank you, team!
Great experience, worth every pennyI was worried about the investment, but Stacking Capital made it worthwhile. They secured $110k in business credit, and Patrick was there every step of the way. So grateful for this team!
Professional and efficientThe team at Stacking Capital knows what they’re doing. They set me up with a line of credit at Chase within a week, and it was exactly the boost my business needed. Thank you, Patrick and team!
Perfect for entrepreneurs!Stacking Capital is exactly what small business owners need. Patrick was insightful, David handled my account with care, and I got more funding than I expected. They made it easy, and I felt supported throughout.
Highly recommend for reliable fundingWorking with Tanner at Stacking Capital was fantastic. He was patient and walked me through each step. I’m thrilled with the funding I received—it’s exactly what I needed to expand my business.
Quick and seamless funding experienceStacking Capital has perfected the art of getting entrepreneurs the capital they need. Patrick handled everything with such professionalism, and the funds arrived much faster than I anticipated. Impressive service!
Every Stacking Capital engagement is assigned a dedicated advisor, and you complete each application yourself, live on Zoom, while the person who built your plan explains each step.
The Bankable Blueprint, the case studies, the library, and who we are.
The Bankable Blueprint. Six months, one on one, with the exit plan written before round one.
The engagement →02Named case studies. What the profile looked like, the order we ran, and what it carried.
Case studies →03How underwriting actually reads a business. Bureaus, inquiry tolerance, compliance items, sequencing.
Start reading →04Patrick Pychynski, United States Marine, and the advisors who run the work day to day.
About →The Bankable Blueprint™ · 1:1 bank-readiness coaching for established business owners
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